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Business Integrated Account Secured Credit Facility

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Assets in your Business Integrated Account now give you additional flexibility to meet emergency cash need.

Features and benefits

A standby credit line up to HKD10 million
Wide range of assets acceptable for calculating credit limit
Available credit limit adjusted according to the asset value of your account without the need for re-application
Assets within your account remain freely tradable
Can be utilised for overdraft and trade finance
No arrangement fee or monthly service fee

Documents required

A standby credit line up to HKD10 million

Available credit limit adjusted according to the asset value of your account without the need for re-application

Can be utilised for overdraft and trade finance

Application form
Charge over accounts and deposits (For limited companies only)

Wide range of assets acceptable for calculating credit limit

Assets within your account remain freely tradable

No arrangement fee or monthly service fee

Eligibility

Companies registered in Hong Kong with HSBC Sprint Account, Business Direct and BusinessVantage.

Learn more

Types of acceptable assets for calculating available credit limit

Updated Product Risk Rating & Advance ratio (Bonds, Unit Trusts & Equity-linked Investments)

Interest Rate and Credit-to-asset Ratio Table (List of eligible assets and Credit-to-asset Ratio (PDF, 978KB))


Type of Secured Asset held in Business Integrated Account^1,2	Advance Ratio (Up to)	Interest Rate Previous month's Average Total Relationship Balance below HK$ 1 million	Interest Rate Previous month's Average Total Relationship Balance equal/above HK$ 1 million
Foreign Currency Time or Saving Deposits³	100%	HSBC's Best Lending Rate +1.5% per annum	HSBC's Best Lending Rate per annum
HKD Time Deposits⁴	100%	HSBC's Best Lending Rate +1.5% per annum	HSBC's Best Lending Rate per annum
Deposit Plus⁴	70%	HSBC's Best Lending Rate +1.5% per annum	HSBC's Best Lending Rate per annum
Callable Fixed Deposits	100%	HSBC's Best Lending Rate +1.5% per annum	HSBC's Best Lending Rate per annum
Structured Investment Deposits⁵	100%	HSBC's Best Lending Rate +1.5% per annum	HSBC's Best Lending Rate per annum
Bonds and Certificates of Deposit ^6,8	100%	HSBC's Best Lending Rate +2.25% per annum	HSBC's Best Lending Rate +1% per annum
Locally quoted Unit Trust ^6,7,8	85%	HSBC's Best Lending Rate +2.25% per annum	HSBC's Best Lending Rate +1% per annum
Locally quoted shares ^6,7,8	50%	HSBC's Best Lending Rate +2.25% per annum	HSBC's Best Lending Rate +1% per annum

Types of credit facility available

Overdraft
Documentary Credit (DC) Issuance
Bank Guarantee Issuance

Reminder: "To borrow or not to borrow? Borrow only if you can repay!"

Note:

The Bank reserves the final decision on application approval.

Notes for Interest Rate and Advance Ratio Table:

The security over the assets in your Business Integrated Account as created under the Business Integrated Account General Terms and Conditions will attach to the assets in accordance with the aforesaid order of priority (i.e. assets attracting the lowest interest rate will be attached first, followed by assets attracting the next lowest interest rate and so on). Further, where there are more than one type of assets in your Business Integrated Account which attract the same interest rate, the security will attach to the respective types of assets in accordance with the order in which such assets are listed in this table.
The eligibility and percentage of the value of the assets listed for inclusion in the calculation of the available credit limit shall be as determined by the Bank from time to time. The Bank may at its discretion add or remove the assets listed from such eligibility, or increase or reduce the eligible percentage of the value thereof without prior notice.
Advance ratio for time or saving deposits in US dollar is up to 100 per cent. For time or saving deposits in other currencies excluding Thai Bhat, advance ratio of up to 85 per cent applies.
If the assets subject to the security under your secured credit facility include Hong Kong dollar time deposits/Deposit Plus (in Hong Kong dollars deposit currency) and the deposit interest rate applicable to such deposits plus 0.5 per cent is higher than the debit interest rate specified above, the higher rate will be applied to your credit limit corresponding to such assets for calculating interest.
Including but without limitation to Capital Protected Investment Deposits
Locally quoted unit trusts, locally quoted shares, bonds and certificates of deposit are those deposited with the Bank in your Business Integrated Account whether or not registered in your name or in the name of any other person (including the Bank) as nominee.
Authorised by the Securities and Futures Commission
Documentary Credit (DC) Issuance, Bank Guarantee Issuance Commission: Please refer to the Commercial Banking Tariffs.
Capital in nature instruments such as bonds issued by HSBC and its subsidiaries will not be considered as secured assets for Secured Credit Facility attached to the Business Integrated Account.
From 1 January 2020, Wayfoong Statement Gold will no longer be considered as Secured Asset for Business Integrated Account Secured Credit Facility. The credit-to-asset ratio of the Wayfoong Statement Gold will be readjusted to zero from the effective date.